Harney County, OR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Harney County, OR distress report, 2026: 10 ZIPs scored in Harney, OR, Harney, OR average 20/100; the top Harney, OR ZIP is 97754 at 22/100; Harney, OR market phase recovery, Harney, OR prices +2.5% year over year.
- Harney, OR ranks #775 nationally (opportunity index); Harney, OR #5 in Oregon; Harney, OR index 32.1.
- Harney, OR: no CFPB county sample; Harney, OR state reading 0.6%.
- Harney, OR ZIP phases: 9 recovery, 1 neutral.
- Harney, OR residential listings tracked: 4 across 9 ZIPs; Harney, OR candidate listings 3.
- Harney, OR HUD assisted properties: 1 with 22 units.
- Harney, OR lenders on watch: 1; largest Harney, OR footprint Bank Of Eastern Oregon (1 branch).
- Harney, OR most distressed ZIP: 97754 at 22/100.
Harney, OR figures: DLRadar distress index; Harney, OR inputs: CFPB, FHFA, HUD, FDIC; Harney, OR rebuilt as sources refresh.
| Rank | Harney, OR ZIP | Score |
|---|---|---|
| 1 | 97754 | 22/100 |
| 2 | 97710 | 20/100 |
| 3 | 97720 | 20/100 |
| 4 | 97721 | 20/100 |
| 5 | 97722 | 20/100 |
| 6 | 97732 | 20/100 |
| 7 | 97736 | 20/100 |
| 8 | 97738 | 20/100 |
| 9 | 97904 | 20/100 |
| 10 | 97758 | 18/100 |
Most distressed Harney, OR ZIPs (0-100, 2026)
Mortgage delinquency around Harney, OR
No CFPB county sample covers Harney, OR; the state reading for Harney, OR: 0.6% ninety-plus; Harney, OR area thirty-to-eighty-nine 1.2% (December 2025, Harney, OR).
Opportunity index: Harney, OR
Harney, OR index 32.1, Harney, OR phase watchlist; Harney, OR primary driver vacancy, Harney, OR second driver construction. Harney, OR components: property stress 27.4, foreclosure pressure 28.9, listing discounts 31.0, bank stress 46.7, insurance 0.0; Harney, OR pulse 34.4; Harney, OR capital opportunity 28.6.
ZIP market phases inside Harney, OR
10 Harney, OR ZIPs carry a price-cycle phase; Harney, OR ZIPs by phase (Harney, OR), deepest drawdown first: neutral, +0.6% YoY, 0.4% off peak (Harney, OR): 97754; recovery, +2.5% YoY (Harney, OR): 97710, 97720, 97721, 97722, Harney, OR 97732, 97736, 97738, 97758, Harney, OR 97904.
Residential listings by Harney, OR ZIP
Harney, OR ZIPs with the most tracked Harney, OR residential listings: 97720 3 listings, 2 candidates, bank pressure 57; 97904 1 listings, 1 candidates, bank pressure 57; 97710 0 listings, 0 candidates, bank pressure 57; 97721 0 listings, 0 candidates, bank pressure 57 (Harney, OR); 97722 0 listings, 0 candidates, bank pressure 57; 97732 0 listings, 0 candidates, bank pressure 57; 97736 0 listings, 0 candidates, bank pressure 57; 97738 0 listings, 0 candidates, bank pressure 57. Harney, OR totals: 4 listings; Harney, OR candidates 3; active ZIPs 0.
HUD assisted housing in Harney, OR
1 assisted properties with 22 units sit in Harney, OR; largest Harney, OR properties: Aspen Grove (Hines) 22 units, 22 assisted.
Lenders with branches in Harney, OR
Harney, OR lenders by branch count: Bank Of Eastern Oregon (Harney, OR): stress 48, 1 branch low in Harney, OR.
Vacancy and permits, Harney, OR
603 of 3,732 Harney, OR housing units are vacant; Harney, OR permits, twelve months: 3 multifamily units in Harney, OR, 12 one-to-four unit units.
Work Harney, OR at the parcel level
Every Harney, OR parcel carries owner and address; every Harney, OR parcel carries APN; Harney, OR distress scores sit on the Harney, OR live board.
Harney, OR figures refresh with each source.
Harney, OR questions
Most distressed ZIP code in Harney County, OR?
ZIP 97754 leads Harney, OR at 22/100; next in Harney, OR: 97710 at 20/100; the Harney, OR average is 20/100.
Where does Harney County, OR rank for investment opportunity?
Harney, OR is #775 among all ranked counties, #5 in Oregon; the Harney, OR driver is vacancy; Harney, OR moved up 478 places.
How many mortgages are delinquent in Harney County, OR?
Harney, OR takes the state reading of 0.6% for December 2025; no CFPB county sample covers Harney, OR.
Which banks lend in Harney County, OR?
1 watched lenders hold Harney, OR branches; the largest Harney, OR footprints are Bank Of Eastern Oregon (1).
More on Harney, OR
Harney County, OR distress report: public-record figures for Harney, OR; not legal advice for Harney, OR; not tax or investment advice; verify every Harney, OR record before acting.